Cheap Car Insurance in Texas

Finding Cheap Car Insurance in Texas

Texas is the second largest state in the country in both population and size. It’s also home to one of the largest shipping hubs in the nation since truckers can reach ninety-seven percent of the country from Dallas within forty-eight hours. With so many people and so many shipping centers, there are plenty of cars on the road. This is why Texas car insurance is so important to have. In fact, the state requires that drivers carry Texas car insurance to stay legal. Whether you’re concerned about staying legal or just want to ensure that you and your family are protected financially, choosing the right Texas car insurance policy is important. By following the instructions in our article, you will be fully protected by buy cheap car insurance in Texas.

Obtaining cheap car insurance in Texas can be a frustrating ordeal but with the right information you can find some excellent comprehensive plans.

Texas Car Insurance Laws

Texas is an “at-fault-state”, so when there is an accident one driver is determined to be responsible and therefore liable for all the personal and property damages. Texas state law says that all drivers must have car insurance to help cover these costs should they arise.

Texas auto insurance minimum requirements are 30/60/25 coverage. This provides $30,000 coverage for a single individual for bodily injuries per accident, $60,000 coverage for bodily injuries to two or more people per accident and $25,000 coverage for property/vehicle damage per accident. This minimum requirement does not cover the insured party’s vehicle.

The consequences for driving without valid car insurance in Texas are quite severe.

When you begin to look at Texas car insurance policies that go beyond the minimum coverage, start by looking at just what they’ll cover. Some provide coverage for only medical or repair bills up to a limit, for example, while other Texas car insurance policies will protect your car from all sorts of various calamities including broken windshields, flood damage, and even fire. Once you know what a Texas car insurance policy covers you’ll be able to start comparing the various options with more precision. Some may cost more and fail to offer the same level of coverage, which is an important thing to spot when buying a Texas car insurance policy.

Various things can affect the prices of your Texas car insurance, as well. You can normally raise deductible levels to lower monthly premiums and vice versa, for example. And when shopping for Texas car insurance be sure to look into whether you can receive a discount if you insure multiple cars through the same policy. And be always sure that if you’re opting for the liability coverage option that it offers the required level of Texas car insurance coverage or you could be paying for a policy that isn’t actually keeping you legal while driving.

How Much is Car Insurance in Texas

The amount of coverage that you should purchase depends on your individual circumstances. The minimum level insurance will be your cheapest option but will not cover many unfortunately all too common costs involved in an accident.

Description Price
Texas Minimum Car Insurance Coverage $732 - $1,004
Texas Minimum Full Coverage Car Insurance $1,798 - $2,055
Texas Minimum Car Insurance Coverage for Young Drivers $1,452 - $1,767
Texas Minimum Full Coverage Car Insurance for Young Drivers $2,518 - $2849
Average monthly car insurance in Texas $61 - $237

Of course these prices may vary depending on your vehicle and your situation. Depending on the number of protections you have added to your insurance policy, the insurance can increase significantly.

Important Factors Influencing Car Insurance in Texas

City Speed Limits Maximum at 70 mphs
Freeway Speed Limits Maximum speed limit of 75 mph (If the highway is designed to suit this speed, the speed can rise to 80 mph or 85 mph )
Blood Alcohol Limits BAC is 0.08 percent . The alcohol ratio for commercial drivers is 0.04% . All alcohol levels for drivers under 21 years
Open Container Law It is completely illegal to have an open container of alcohol in the car, whether or not you are using the vehicle.
Cell Phones Laws Since 2017, reading or writing messages mail has been banned while driving in Texas. Also, use of handheld cell phones is banned under the following conditions. Be a driver under 18. Using the school bus while children are inside. Use in school districts. Be driving less than 6 months.
License Suspension on DUI If the driver performs poorly on the field sobriety tests then the driver will be arrested for DWI or BWI . The driver is tested. The driver fails the field sobriety test (0.08 BAC or more) icense suspended from 90 days to 2 years
License Suspension on BWI Same DUI

Texas Car Insurance – Liability or Full Coverage?

Texas car insurance is one of the most important investments that you can make as a driver in Texas. While most people think of their car and its features as the only major consideration involved in getting on the road, the truth is that choosing the right Texas car insurance policy is important as well. The Lone Star State has some of the most densely populated metro areas in the nation, like the Dallas – Fort Worth area that is home to six, and a half million people. Most of those people have automobiles, which helps to increase the amount of accidents that occur each year in Texas, and thereby increase the importance of Texas car insurance.

Like most other states, Texas requires that drivers carry Texas car insurance. They only require a driver to have a liability insurance policy. These Texas car insurance policies essentially only pay for damage that you do to someone else’s property, including real estate and automotive property, and pay for their medical bills. In other words, these Texas car insurance policies only pay for what you are held liable for if accident. Many people opt to use only liability coverage not only because it is the only form required by law, but also because it is normally much cheaper than other types of Texas car insurance.

If you have a lien against your car or are still making payments, Texas car insurance laws require that you carry full coverage and collision Texas car insurance coverage so that your car can be completely repaired if an accident occurs. Choosing this extra Texas car insurance coverage is often a good idea anyway since it will ensure that you’re able to get back on the road by either paying for your repairs or giving you a check for the value of your vehicle if it is totaled. While full coverage Texas car insurance coverage will cost a bit more, there are a few things that can keep the price of it down somewhat.

The most obvious way to keep your full coverage Texas car insurance prices low is to maintain a safe driving record. The safer you're driving, the less you’ll pay for Texas car insurance. You can also get a better deal when you take out an insurance policy on multiple cars or by taking a defensive driving course. While some people will still opt for liability only, those that can afford the extra money will be better off if they purchase cheap full coverage car insurance policies.

Here are a few of the common add-ons you will want to consider:

  • Comprehensive and Collision: Will pay for damages caused to the insured party’s vehicle minus any deductibles which may applicable, regardless of fault.
  • Uninsured Coverage: Covers medical bills, property damage and vehicle repairs which are caused by an uninsured driver or in a “hit-and run”. In 2007 it was estimated that 15% of drivers in Texas were uninsured.
  • Personal Injury Protection (PIP): Will pay for all reasonable medical and funeral expenses for the insured, and their passengers as well as 80% of lost income caused from a driving accident.

Cheap Car Insurance in Texas

The best way to obtain the most affordable coverage is to compare quotes from different companies to find the best premiums and add-on options available to you. Rates can vary as much as 200% so it is absolutely crucial to shop around and not just take the first quote that you find. The internet makes this easier than ever as you will find that most companies now have their rates available online. We will help you find cheap car insurance in Texas .

The auto insurance rates which you will receive are based on a wide variety of factors, from your age and sex to your driving record, and the type of vehicle you own, so it is impossible to state the exact amount that any individual should expect to pay. However, here are some excellent tips to help you to identify the best Texas auto insurance rates online :

  1. Many insurers offer significant discounts to specific groups such as people with perfect driving records or college students. Always check all the available discounts to see if there are some which you can take advantage of.
  2. All the provide as many relevant details as possible to ensure that you receive an accurate quote.
  3. Higher deductibles result in lower insurance premiums all the in doing, so you risk watering down your coverage. Don’t compromise your long term financial security in an unforeseeable traffic accident to save money in the short term.
  4. Reduce the number of miles that you drive to qualify for low mileage discounts.
  5. Auto insurance rates fluctuate greatly on a month to month basis. Have a look at a monthly trend graph to help you determine when is likely the best time to buy.
  6. Having an anti-theft device installed in your car can lead to discounts which make them well worth the money.
  7. Families should compare insurance companies quotes based on sex and vehicle type as it can make a substantial difference to their premium rates. For example if you have a truck it often makes the most financial sense to have a female insured as the main driver. If you have a teenager or new driver then you will save money from having them insured as the driver of a safer model such as a family sedan rather than a sports car!

Saving big on Texas car insurance is easier when you keep a clean driving record that is free of traffic violations and accidents. Lower mileage cars likely have lower costs, and taking a defensive driving course can save you big by helping you qualify for Texas car insurance discounts. And most Texas car insurance providers usually offer additional discounts for things like insuring multiple cars or other vehicles, maintaining uninterrupted coverage, and more. Something as simple as asking about current special offers can end up saving you money when you buy Texas car insurance.

One of the biggest mistakes to avoid when buying Texas car insurance is to just buy the first policy you find. Instead, you should take the time to shop around and compare various policies to see what each offers in not only price, but coverage. You’ll be surprised what kind of deals in Texas car insurance you can find by simply looking at all the various policies out there. And adjusting deductibles and coverage amounts can also help you get the best price. Everything’s bigger in Texas, but Texas car insurance prices don’t have to be.